Zions Bancorporation, National Association (ZION) — Financial statements
Income statement, balance sheet, and cash flow for Zions Bancorporation, National Association — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 4,944↓1.0% | 4,993↑8.0% | 4,624↑38.6% | 3,337↑12.4% | 2,970 | |
| Cost of Revenue | 1,629↓15.8% | 1,935↑17.9% | 1,641↑434.5% | 307↑241.5% | -217 | |
| Gross Profit | 3,315↑8.4% | 3,058↑2.5% | 2,983↓1.6% | 3,030↓4.9% | 3,187 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 1,516↑10.9% | 1,367↑1.0% | 1,354↑5.4% | 1,285↑10.7% | 1,161 | |
| Selling & Marketing Expenses | 0.00↓100.0% | 45↓2.2% | 46↑17.9% | 39↓9.3% | 43 | |
| SG&A Expenses | 1,516↑7.4% | 1,412↑0.9% | 1,400↑5.7% | 1,324↑10.0% | 1,204 | |
| Other Expenses | 624↓1.6% | 634↓9.0% | 697↑25.8% | 554↑3.2% | 537 | |
| Operating Expenses | 2,140↑4.6% | 2,046↓2.4% | 2,097↑11.7% | 1,878↑7.9% | 1,741 | |
| Total Costs & Expenses | 3,769↓5.3% | 3,981↑6.5% | 3,738↑71.1% | 2,185↑43.4% | 1,524 | |
| Operating Results | ||||||
| Operating Income | 1,175↑16.1% | 1,012↑14.2% | 886↓23.1% | 1,152↓20.3% | 1,446 | |
| Depreciation & Amortization | 116↓6.5% | 124↓11.4% | 140↑27.3% | 110↑885.7% | -14 | |
| EBITDA | 1,291↑13.6% | 1,136↑10.7% | 1,026↓18.7% | 1,262↓11.9% | 1,432 | |
| EBIT | 1,175↑16.1% | 1,012↑14.2% | 886↓23.1% | 1,152↓20.3% | 1,446 | |
| Interest & Other Income | ||||||
| Net Interest Income | 2,627↑8.1% | 2,430↓0.3% | 2,438↓3.3% | 2,520↑14.1% | 2,208 | |
| Interest Income | 4,184↓2.5% | 4,293↑8.8% | 3,947↑45.9% | 2,705↑19.3% | 2,267 | |
| Interest Expense | 1,557↓16.4% | 1,863↑23.5% | 1,509↑715.7% | 185↑213.6% | 59 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 1,175↑16.1% | 1,012↑14.2% | 886↓23.1% | 1,152↓20.3% | 1,446 | |
| Income Tax Expense | 276↑21.1% | 228↑10.7% | 206↓15.9% | 245↓22.7% | 317 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 899↑14.7% | 784↑15.3% | 680↓25.0% | 907↓19.7% | 1,129 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 899↑14.7% | 784↑15.3% | 680↓25.0% | 907↓19.7% | 1,129 | |
| Bottom-Line Net Income | 895↑22.8% | 729↑13.6% | 642↓26.2% | 870↓20.0% | 1,088 | |
| EPS (Basic) | 6.08↑22.8% | 4.95↑13.8% | 4.35↓25.0% | 5.80↓14.7% | 6.80 | |
| EPS (Diluted) | 6.01↑21.4% | 4.95↑13.8% | 4.35↓24.9% | 5.79↓14.7% | 6.79 | |
| Weighted Average Shares | 147↓0.1% | 147↓0.4% | 148↓1.5% | 150↓6.2% | 160 | |
| Weighted Average Diluted Shares | 147↓0.0% | 147↓0.4% | 148↓1.7% | 150↓6.2% | 160 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.